After PF Withdrawal, Is Your EPS Safe? Learn How to View Your EPS Pension Record Online
Many employees withdraw their Provident Fund (PF) amount after leaving a job, but a common question that arises is: what happens to the Employees’ Pension Scheme (EPS) money? While your PF and EPS are linked, they are not the same. Understanding how EPS works and how to check your pension status online is important for planning your future retirement.
What Happens to EPS After PF Withdrawal?
When you withdraw your PF, only your contribution and the employer’s contribution towards PF are credited to your account. The portion of the employer’s contribution that goes into EPS (usually 8.33% of your basic salary) is not paid directly to you unless certain conditions are met.
If you have worked for less than 10 years, you can apply for an EPS withdrawal by submitting Form 10C along with your PF withdrawal. In that case, your EPS amount will be paid out.
If your service is 10 years or more, then you are eligible for a pension after the age of 58, and the EPS amount is not paid as a lump sum. Instead, it remains with the EPFO until you claim your pension.
How to Check Your EPS Pension Record Online
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Visit the official EPFO Member Passbook portal: passbook.epfindia.gov.in
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Log in using your UAN and password
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Select your Member ID
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Check the Employer Share and Pension Contribution columns
These entries show the amount being deposited into your EPS account during your employment.
Final Thoughts
It is important to track your EPS contributions, especially if you are planning long-term financial goals. Always keep your UAN active and your employment history updated to avoid issues in future pension claims. If you don’t have your UAN or past PF details then visit the UAN retrieval page and click on Know Your UAN. Enter your Aadhaar-linked phone number. The EPFO will send the details via SMS.
